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What kind of excess does that have? I’ve looked at insurance again but it doesn’t really add up for me - nearly all our vet visits would be under the excess and that on top of the annual cost means an expensive visit isn’t really improved either...
Dramatic_Hammer-
My current Pet Plan policy? £80 per a claim per a year, so chronic condition would be £80 a year until she turns 9 or 10 then it’d be £80 plus £20% of the vet bills. Or is it 10%? Can’t remember...
I did consider going with the lower plan which would give me £7000, but it was less than £3 a month difference so I thought why not as like I said, I could always go down but not up.
For me, it is still worth the money as Patch has had 2 operations 1 was £800 or so and 1 was about £600...
ExTra
NO to John Lewis and their underwriter, can’t remember which but they do pretty much all the supermarket ones. No claim still double the premium year on year. Mine went form £7 to £11 to £25... and I only made a claim for about £800. Between £7 to £11 and no claim between £11 to £25 and I said no to £25 and fuck you.
Pet Plan is good, they have good relationships with loads of vets. Patch had to have her tooth removed last year, about £600, got it pre authorised and got money within a week after the op. I mean the vet was efficient too with paperwork.
One tip though, I know your kitty is only young but pay for the most expensive plan you could afford and go down if you need to in the future. Once you have made a claim, you won’t be able to go up regardless of the nature of claims (ok, maybe some exceptions).
I made this mistake when Patch was about 2 and went with JL on their cheapest plan with £3000 plan, made a claim for about £800 of a one off condition, and they wouldn’t allow me to change plan.
Had a long chat with Petplan on the situation and they told me the same thing, however small the claim, once you have made one, it would be hard to go up with your premium but you can go down all you like.
I pay £24 a month for a £12000 a year plan with pet plan, excluding the condition claimed with JL, still worth it. Made a claim with pet plan near the end of the policy year and only saw premium went up by about £2.